Which factor would NOT lead to the termination of ceded business in the North Carolina Motor Vehicle Reinsurance Facility?

Ceded business in the North Carolina Motor Vehicle Reinsurance Facility can be terminated based on specific factors established by the facility's guidelines. However, claims activity exceeding expectations does not directly result in termination. In fact, the facility aims to provide coverage to high-risk drivers, and increased claims activity could indicate a necessity for continued coverage rather than grounds for termination.

On the other hand, factors such as non-payment of premiums, an insured's relocation out of state, and the expiration of the insurance coverage period are all standard reasons for termination. Non-payment can lead to cancellation of the policy after a grace period, relocating typically means the ceded business ceases because the insurance covers risks specific to North Carolina, and once the insurance coverage period ends, the policy is no longer in force. Therefore, claims activity exceeding expectations is the only factor listed that would not directly lead to the termination of ceded business in this context.